Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products

[Fletcher2]

Yup...discovered the nuclear option a week or so ago (and corrected the error in my ways).

Good to go now, thanks!

[OmarGB9]

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@Ivylicious1908 wrote:

Hello All,

What is the lowest APR % you can get on Flagship? Does anyone know?

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@Ivylicious1908 

[YoungMoney06]

Anyone know what would cause my experience?

I've been with NFCU since 2016-2017. Have had a credit card with them since then, just added a new one about a year ago (CR that I PC'd to a Flagsgip card.)

I applied for a CLI back in December 2021 and received a $1500 CLI (around same time they were, I think, only doing $4k limits max.)

Just applied again for another CLI and only got bumped up $1k. I'm grateful for the increase, but how is everyone seeing upwards of $8k every 6 months?

[OmarGB9]

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@YoungMoney06 wrote:

Anyone know what would cause my experience?

I've been with NFCU since 2016-2017. Have had a credit card with them since then, just added a new one about a year ago (CR that I PC'd to a Flagsgip card.)

I applied for a CLI back in December 2021 and received a $1500 CLI (around same time they were, I think, only doing $4k limits max.)

Just applied again for another CLI and only got bumped up $1k. I'm grateful for the increase, but how is everyone seeing upwards of $8k every 6 months?

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There's really no telling. Do you have any outstanding baddies?

[shane1978]

Just did a SP increase from $25,700 to $33,700 on my card.  Thanks to all the knowledge gained on this forum.

[SUPERSQUID]

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@YoungMoney06 wrote:

Anyone know what would cause my experience?

I've been with NFCU since 2016-2017. Have had a credit card with them since then, just added a new one about a year ago (CR that I PC'd to a Flagsgip card.)

I applied for a CLI back in December 2021 and received a $1500 CLI (around same time they were, I think, only doing $4k limits max.)

Just applied again for another CLI and only got bumped up $1k. I'm grateful for the increase, but how is everyone seeing upwards of $8k every 6 months?

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I would say you take a close gander at the following,

Your internal NAVY score

Income

DTI

Utilization overall 

I notice most of your other cards { minus the flagship } have smaller limits so its probably something on your reports that all of your creditors see.

[UncleB]

Neither here-nor-there, but I got an email this morning from NFCU congratulating me on the anniversary of my GoRewards Visa.

I had to check, and sure enough, it was opened on July 5... four years ago.   I've always thought of this as my 'new' NFCU card, but I guess it's not so new after all. ¯\_(ツ)_/¯

The email was a nice touch, though.  It also made me check on the age of my older account (Platinum MasterCard), which will be seven years (!!!) this fall.

[RealEstateGuy89]

I think I'm going to request a CLI on my Flagship card today. I decided to wait until the 6th because I think I read somewhere in this thread that Navy does all their SP account reviews on the 5th of every month.

Does anyone know if I am remembering this correctly?  Thank you. 

[RobynJ]

I thought it was the last Thursday of the month. They just don't update your free Fico score until around the 3rd-7th

[RealEstateGuy89]

Thanks @RobynJ !